My husband and I are new home owners. Recently a woman from the homeowner's association came by to drop off a welcome basket. It was dark outside and no outside lights were on, we didn't even hear the doorbell because we were upstairs. When I heard her screaming I ran outside and there she was. I did what I could then I called 911, she went to the hospital to get checked out. She needs extensive denatl work and has no dental insurance. She wants us(our insurance) to pay for the work that needs to be done, meanwhile saying she knows this isn't our fault but she has no ins. She suggested we call our ins. company. My question is, are we liable since no one invited her over? We had no idea that she would be there.